Nebraska Workers' Compensation Insurance

Protect your business and employees with Nebraska workers' comp

Employees in Nebraska who experience job-related injuries or illnesses are eligible for medical and financial support through the state's workers' compensation insurance system. No matter if your business operates in the city of Omaha or the busy streets of Lincoln, this coverage protects your team and helps you meet legal guidelines.

Start a quote or contact a Progressive Commercial agent for Nebraska workers' comp insurance you can trust.

Who needs workers' compensation insurance in Nebraska?

Most businesses in Nebraska are required to have workers' comp insurance to help with workplace accidents. This rule applies to both full-time and part-time employees.

For additional information, review the workers' compensation laws in Nebraska.

Nebraska workers' compensation insurance exemptions

While nearly all businesses need coverage, there are a few exemptions to Nebraska workers' comp requirements. These include:

• Certain farm workers
• Railroad companies in interstate or foreign trade
• Domestic workers in private homes

Even if you think you're exempt, it's a good idea to confirm your status with an expert to prevent potential issues.

What are the penalties for not having workers' comp in Nebraska?

Employers can face penalties for not having workers' comp in Nebraska, such as:

• Daily fines of $1,000 and additional fees
• Jail time
• A stop-work order

Make sure you have the right insurance to avoid these risks.

How much does workers' comp cost in Nebraska?

Nebraska workers' compensation rates depend on your business type. Insurers use these factors to determine costs:

• Job classification code: Nebraska uses workers' comp class codes to rank jobs by risk, which can impact costs.
• Payroll: Since premiums depend on payroll amounts, larger companies usually have higher rates.
• Claims history: If you have a lot of claims you might have a pricier policy.
• Insurance carrier: Every carrier has its own methods of calculating the cost of Nebraska workers' compensation.

How can you get workers' comp in Nebraska?

There are three ways to get workers' compensation insurance in Nebraska:

• Private insurers: Businesses often choose private insurers for workers' comp due to the flexible coverage options.
• Self-insurance: Employers can save money by applying for self-insurance through the Nebraska Workers' Compensation Court, but they'll need to manage financial risks on their own.
• Assigned risk pool: Companies having trouble getting private coverage or self-insurance can secure a policy through Travelers Indemnity Company.

Reviewing these different coverage paths can lead you to the right workers' comp plan. For questions, reach out to a Progressive Commercial specialist or get an online quote.

How does workers' comp work in Nebraska?

Nebraska workers' comp helps employees recover from occupational accidents. After reporting an incident, a claim can be filed by the employee or employer. Once approved, the employee receives financial assistance for things like:

• Medical expenses
• Disability benefits
• Lost wages
• Rehabilitation costs

Businesses benefit from workers' comp because it decreases the risk of being sued. In Nebraska, employees who accept a settlement typically can't take legal action. If they do, this insurance can cover costs.

Nebraska workers' compensation death benefits

If an employee dies, their family can qualify for workers' comp death benefits in Nebraska. Dependents can receive a lump-sum payment for funeral expenses and additional compensation, reducing the financial burden during a difficult time.

Nebraska workers' compensation statute of limitations

Under the Nebraska statute of limitations, employees must file a workers' comp claim within two years of their accident or their last benefits payment. Remind your team to report incidents promptly to meet deadlines and access the support they need.

Why choose Progressive Commercial for Nebraska workers' compensation insurance

We've been helping employers protect their businesses and choose the right insurance for over 50 years. We focus on our customers' needs and deliver personalized solutions that promote growth and success.

Talk to a Progressive Commercial agent or start an online quote to find Nebraska workers' comp insurance.